CMS Case Study

Balance Sheet Comparison - 9/30/2021

SEP 21

JUN 21

VARIANCE

Balance Rate 13,937 4.20 14,214 4.20

Balance Rate 12,831 4.29 13,109 4.29

Balance Rate 1,107 -0.09 1,105 -0.09

Res Adj 3M (Prime) Residential Adj

TOTAL RESIDENTIAL

64,632 3.91

61,147 3.99

3,485 -0.08

Res Const Fixed -

--

--

478 4.25 7,250 4.34 7,728 4.34

-478 -4.25 2,876 -0.04 2,398 -0.04

Res Const Fixed - I/O Total Res Const Fixed

10,126 4.30 10,126 4.30

TOTAL RESIDENTIAL CONSTRUCTION

10,126 4.30

7,728 4.34

2,398 -0.04

C&I Fixed -

44,200 4.30

42,064 4.44 101 6.29 7,294 4.31 1,337 4.80 1,224 -- 52,021 4.33

2,135 -0.15

C&I Fixed - LOC C&I Fixed - I/O

101 6.29

0 0.00

13,664 3.91 1,293 4.78 1,206 -- 60,464 4.14

6,370 -0.40 -44 -0.02 -18 -- 8,443 -0.20

C&I Fixed - I/O LOC C&I Non-Accrual

Total C&I Fixed

C&I Adj 1M (Prime)

5,888 3.87

4,146 4.20

1,742 -0.34

C&I Adj 1M (Prime) LOC C&I Adj 1M (Prime) I/O C&I Adj 1M (Prime) I/O LOC C&I Adj 3M (Prime) I/O LOC C&I Adj 3M (Prime) Non-Accrual

57 5.94

56 5.75

1 0.18

4,792 4.21 8,778 4.10

5,966 3.95 8,105 4.12 470 3.75

-1,174 0.27 672 -0.02 -470 -3.75 -85 -- 687 0.00

-- --

-- --

85 --

Total C&I Adj

19,516 4.06

18,829 4.06

TOTAL COMMERCIAL & INDUSTRIAL

79,979 4.12

70,850 4.26

9,129 -0.14

CRE Fixed -

154,338 4.50 24,629 4.69 178,967 4.53 11,163 4.02 16,837 4.04 426 3.75 1,100 2.46 728 4.95 30,254 3.99

147,940 4.60 18,362 4.79 166,302 4.62 12,842 4.13 24,132 3.92 431 3.75 1,100 2.51 731 4.95 39,236 3.97

6,398 -0.10 6,267 -0.10 12,665 -0.09

CRE Fixed - I/O Total CRE Fixed

CRE Adj 1M (Prime) CRE Adj 1M (Prime) I/O CRE Adj 1M (1M LIBOR) CRE Adj 1M (1M LIBOR) I/O

-1,678 -0.11 -7,295 0.11

-5 -- -- -0.06 -4 --

CRE Adj 3M (Prime)

Total CRE Adj

-8,981 0.02

TOTAL COMMERCIAL RE

209,221 4.45

205,538 4.50

3,683 -0.05

HE Adj 1M (Prime) I/O LOC

17,856 4.22 17,856 4.22

17,478 4.26 17,478 4.26

378 -0.04 378 -0.04

Total HE Adj

TOTAL HOME EQUITY

17,856 4.22

17,478 4.26

378 -0.04

Install Fixed -

7,264 6.13 588 4.76

7,066 6.31 620 4.56

197 -0.19 -32 0.21

Install Fixed - I/O

Cloyd Bank & Trust - Page 68